价格机制是市场调节资源配置的一个基本手段,费率监管机制改革是保险业市场化改革的一个核心部分。本文梳理和总结了寿险、意外伤害险、商业车险和“交强险”这4个大类险种的费率监管机制的发展历程。进一步分析,在当前时期,对这4个险种的费率监管机制进行市场化改革的内容、影响以及应当注意的主要事项。
<<Price mechanism is a basic means of resource allocation by the market,and the insurance rate regulation mechanism reform is a core part of the liberalization reform in the insurance industry. This report reviews and summarizes the development history of insurance rate regulation mechanism of four important insurance types-life insurance,accidental injury insurance,commercial auto insurance and compulsory auto liability insurance. Furthermore,this report discusses,in the current period,the liberalization reform of insurance rate regulation mechanism for the four insurance types,focusing on its effects and main considerations.
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